Endorsement Library for TGSL, SSP, Acturis Page 1 of 19
Home Endorsement Library (HME)
TGSL / SSP / Acturis
H001: Minimum Standard of Security– applicable to Section 2 Contents
Unless We agree otherwise in writing, there is no liability under Sections 2 and 3 of this Policy
for loss or damage by theft or attempted theft from the Home unless:
the following security devices are fitted and put into operation whenever the Home is left
unattended
(a) either a lock approved to BS3621 or
a mortice deadlock of at least 5 levers or
a rim automatic deadlatch with a key-locking handle on the inside or a key-
operated multi-point locking system with at least three fixing points and a lock
cylinder with at least five pins to the main entrance door
(b) key-operated security devices top and bottom in addition to existing locks or a
lock to the standard in (a) above to all other external doors except sliding patio
doors
(c) a key-operated patio door lock mounted internally on the centre rail(s) or
protection to the standard in (b) above to sliding patio doors
(d) key-operated security devices to all opening windows and skylights on the
ground floor and those which are accessible on other floors
(b) all keys are removed from locks and placed out of sight when the Home is left
unattended
(c) external windows as described in paragraph 1(d) and all external doors are secured as
above when Your household has retired for the night except windows in occupied
bedrooms which may be left open for ventilation.
Alternative security devices are not acceptable unless We have given Our written agreement.
Endorsement Library for TGSL, SSP, Acturis Page 2 of 19
H002: Intruder Alarm - applicable to Section 2 Contents
There is no liability under Sections 2 and 3 of this Policy for loss or damage by theft or
attempted theft from the Home unless the Home is fitted with a burglar alarm system.
The burglar alarm system must be:
(a) in full and effective operation
a. whenever the Home is left unattended or
b. when You have retired for the night
(b) fitted by, and maintained in good order throughout the currency of this insurance under
a maintenance contract with, a company which is a member of SSAIB (Security
Systems and Alarms Inspection Board), or the NSI (National Security Inspectorate)
(c) fitted to British Standard 4737.
H003: Jewellery Protection – applicable to Section 2 Contents and Section 3 Personal
Possessions
There is no liability under Sections 2 and 3 of this Policy for loss or damage to jewellery by
theft or attempted theft from the Home unless the jewellery is kept in a locked safe which has
been approved by Us.
The keys and duplicate keys of the safe must be removed from the Home when the Home is
left unattended.
H004 Unoccupied Buildings Cover Limitation – Fire, Lightning, Explosion and
Earthquake – applicable to Section 1 Buildings
There is no liability under Section 1 of this Policy whilst the Buildings are Unoccupied other
than loss or damage caused by
(a) fire
(b) explosion
(c) lightning
(d) earthquake.
H005 Unoccupied Buildings Cover Limitation – Fire, Lightning, Explosion and
Earthquake – applicable to Section 2 Contents
There is no liability under Section 2 of this Policy whilst the Buildings are Unoccupied other
than loss or damage caused by
(a) fire
(b) explosion
(c) lightning
(d) earthquake.
Endorsement Library for TGSL, SSP, Acturis Page 3 of 19
H006 Flat Roof – applicable to Section 1 Buildings
It is a requirement of this Policy that
(a) the flat roof portion of the Buildings is inspected at least once every seven years
by a roofing contractor
(b) remedial work is completed within 60 days
(c) You must retain evidence of the inspection and repairs.
There is an Excess of £500 in respect of each and every claim arising from Storm
H007: Evidence of Value – applicable to Section 3 Personal Possessions
It is a requirement of this Policy for loss or damage to Personal Possessions that You
provide a receipt or professional valuation in support of Your claim.
H008 Theft Restriction – Forced Entry and or Exit – applicable to Section 2 Contents
and Section 3 Personal Possessions
There is no liability under Sections 2 and 3 of this Policy for loss or damage by theft or
attempted theft unless there is physical evidence of violent and forcible entry into, or exit
from, the Home.
H009: Business Liability Extension – applicable to Section 2 Contents
We will indemnify You in respect of Your legal liability to pay damages and claimants costs
and expenses for
(a) accidental Bodily Injury
(b) accidental loss of or damage to property
happening in the Home during the Period of Insurance in connection with Your business or
profession arising out of non manual, or clerical activities.
The maximum We will pay in respect of any one incident is £2,000,000.
H010: Childminding – Accidental Damage and Theft Exclusion – applicable to Section
2 Contents and Section 3 Personal Possessions
There is no liability under Sections 2 and 3 of this Policy for loss or damage caused by
(a) Accidental Damage
(b) theft or attempted theft unless there is physical evidence of violent and forcible
entry into, or exit from, the Home.
While You are involved in Childminding at the Home.
Childminding is defined as a person who is paid to look after children, other than
their own children, between the ages of birth to 8 years in their own home.
Endorsement Library for TGSL, SSP, Acturis Page 4 of 19
H011: Bed & Breakfast Accommodation Cover Extension– applicable to Section 1
Buildings and Section 2 Contents
We will pay for
(a) loss or damage to Valuables and personal effects belonging to any guest whilst kept at
the Home.
We will not pay for
a. the first £50 of each and every claim
b. loss or damage that can be recovered under any other insurance Policy.
The maximum that We will pay is £1,000 in any one Period of Insurance.
(b) loss of bookings if the Home is damaged by any cause covered under this Section and,
as a result, is rendered unfit for the acceptance of paying guests.
(c) The maximum We will pay is £100 per week up to a maximum of 8 weeks.
We will not pay for loss of bookings within the first 14 days of damage occurring.
(d) Your legal liability arising as
i. Owner
ii. Occupier
iii. In a personal capacity
iv. As employer of a domestic employee
Where the Home is used in part for the provision of bed and breakfast accommodation,
provided that
A. The maximum number of paying guests does not exceed 6 at any one time
B. Only 3 bedrooms are used for bed and breakfast purposes at any one time
C. The property is not licensed
H012: Safe Keys Protection – applicable to Section 2 Contents and Section 3 Personal
Possessions
There is no liability under Sections 2 and 3 of this Policy for loss or damage by theft or
attempted theft from the Home to Valuables and personal effects from safes unless all keys
and duplicate keys for the safe are removed from the Home when it is left unattended.
Endorsement Library for TGSL, SSP, Acturis Page 5 of 19
H013: Unoccupancy – applicable to Section 1 Buildings, Section 2 Contents and
Section 3 Personal Possessions
It is a requirement of this Policy when the Buildings are Unoccupied that
(a) An inspection of the Buildings are conducted, and recorded, internally and
externally at least once every 7 days by a responsible adult and
(b) the water, gas and electricity supplies are turned off at the mains (and for the
period November to March inclusive all water tanks, pipes and apparatus are
drained) unless required to operate an automatically operated central heating
system used to maintain a minimum temperature of 58ºF (15ºC) at all times.
We will not pay for
(c) the first £250 of each and every claim (or the total for all other losses Excess
shown in Your Schedule whichever is the highest)
a. Valuables, Money and Credit Cards.
H014: Tenanted Properties Clause with £150 Excess– applicable to Section 2
Contents
There is no liability under Section 2 of this Policy for
(a) loss or damage to Money
(b) loss or damage to Valuables
(c) loss or damage to Credit Cards
(d) Loss or damage to frozen food
(e) the first £150 of each and every claim
whilst the Home is let to tenants.
You must notify Us immediately if the occupancy at the Home changes.
H015: Tenanted Properties Clause with £250 Excess– applicable to Section 2
Contents
There is no liability under Section 2 of this Policy for
(a) loss or damage to Money
(b) loss or damage to Valuables
(c) loss or damage to Credit Cards
(d) loss or damage to frozen food
(e) the first £250 of each and every claim
whilst the Home is let to tenants.
You must notify Us immediately if the occupancy at the Home changes.
H016: Tenanted Properties £150 Excess– applicable to Section 1 Buildings
We will not pay for the first £150 of each and every claim whilst the Home is let to tenants.
You must notify Us immediately if the occupancy at the Home changes.
Endorsement Library for TGSL, SSP, Acturis Page 6 of 19
H017: Tenanted Properties £250 Excess– applicable to Section 1 Buildings
We will not pay for the first £250 of each and every claim whilst the Home is let to tenants.
You must notify Us immediately if the occupancy at the Home changes.
H018: Jewellery – applicable to Section 2 Contents and Section 3 Personal
Possessions
There is no liability under Sections 2 and 3 of this Policy for loss or damage caused by theft or
attempted theft of jewellery unless the jewellery is
(a) being worn by You
(b) deposited in a bank or locked safe
(c) being carried by hand under Your personal supervision.
H019 Subsidence Exclusion – applicable to Section 1 Buildings and Section 2
Contents
There is no liability under Sections 1 and 2 of this Policy for loss or damage caused by
subsidence or heave of the land that the Buildings stand on, or landslip.
H020: Fire Extinguishers – applicable to Section 1 Buildings and Section 2 Contents
It is a requirement of this Policy for loss or damage by fire that a minimum of two fire
extinguishers are installed in the Home, one of which must be sited in the kitchen, and
maintained in proper working order.
H021: Pedal Cycles – applicable to Section 3 Personal Possessions
It is a requirement of this Policy for loss or damage by theft, or attempted theft, of pedal
cycles that pedal cycles are secured by a ‘D’-shaped shackle lock designed for that use.
H022: Amended Contents Definition – Wheelchairs – applicable to Policy Definitions
The definition of Contents extends to include motorised wheelchairs
H023: Solid Fuel – applicable to Section 1 Buildings and Section 2 Contents
It is a requirement of this Policy that no solid fuel in whatever form shall be burnt at the Home
and surrounding land, unless agreed in writing by Us.
H024: Jewellery Maintenance – applicable to Section 2 Contents and Section 3
Personal Possessions
There is no liability under Sections 2 and 3 of this Policy for loss or damage to individual
jewellery valued at over £5,000, unless
(a) an inspection is carried out at least every three years by a competent jeweller
(b) any defects in clasps, mountings and settings are immediately rectified.
Endorsement Library for TGSL, SSP, Acturis Page 7 of 19
H025: Contractors Exclusion – applicable to Section 1 Buildings, Section 2 Contents
and Section 3 Personal Possessions
There is no liability under this Policy for loss or damage caused by the activities of contractors.
H026: Fixed Electrical Installation - applicable to Section 1 Buildings, Section 2
Contents and Section 3 Personal Possessions
It is a requirement of this Policy that the fixed electrical installation at the Home is inspected
by a qualified electrician at least once every 10 years and
(a) all recommendations are compiled with and remedial work completed without delay
(b) a completion certificate is provided to You within 60 days of the inception or renewal
date of this Policy, unless otherwise agreed by Us
(c) You retain copies of completion certificates to provide to Us in the event of a claim.
H027: Boarders, Lodgers and Paying Guests Legal Liability Exclusion – applicable to
Section 1 Buildings and Section 2 Contents
There is no liability under Sections 1 and 2 of this Policy in respect of Your legal liabilty as a
result of
(a) accidental Bodily Injury to any boarder, lodger or paying guest
(b) accidental loss of or damage to property belonging to any boarder, lodger or paying
guest
You must notify Us immediately if, at any point during the Period of Insurance, more than 3
boarders, lodgers or paying guests are accommodated in the Home.
H028: Amended Contents Definitions – Flats Contents of Common Parts – applicable
to Policy Definitions
The definitions of Contents extend to include contents of common parts including furniture,
furnishings, fixtures and fittings which are Your property or for which You are responsible.
H029 Contents kept within a storage depository Extension – applicable to Section 2
Contents
We will pay for loss or damage to the Contents while in storage at a depository provided that
the storage depository is built of Standard Construction.
We will not pay for
(a) Money
(b) stamp or coin collections
(c) Valuables
(d) glass.
H030 Basis of Claims Settlement - Stamp Collections – applicable to Section 2
Contents
The basis of claims settlement for loss or damage to stamp Collections will be 65% of the
current catalogue value published by Messrs Stanley Gibbons & Company.
Endorsement Library for TGSL, SSP, Acturis Page 8 of 19
H031 Basis of Claims Settlement – Coin Collections – applicable to Section 2 Contents
The basis of claims settlement for loss or damage to coin Collections will be 65% of the
current catalogue value published by B A Seaby Limited.
H032 Bank or Building Societies Interest Clause – applicable to Section 1 Buildings
The rights of the bank or building society who provided Your mortgage will not be affected by
anything You do to increase the risk of loss or damage to the Home provided that they were
unaware of such action.
The bank or building society must write and tell Us as soon as they become aware of any
action You have taken to increase the risk of loss or damage. They may also have to pay any
additional premium due which You will have to repay them.
H033 Increased Flood Excess £500 – applicable to Section 1 Buildings and Section 2
Contents
We will not pay for the first £500 in respect of each and every claim caused by storm and
flood.
H034 Increased Flood Excess £1,000 – applicable to Section 1 Buildings and Section
2 Contents
We will not pay for the first £1,000 in respect of each and every claim caused by storm and
flood.
H035 Increased Flood Excess £2,500 – applicable to Section 1 Buildings and Section
2 Contents
We will not pay for the first £2,500 in respect of each and every claim caused by storm and
flood.
H036 Increased Flood Excess £5,000 – applicable to Section 1 Buildings and Section
2 Contents
We will not pay for the first £5,000 in respect of each and every claim caused by storm and
flood.
H037 Increased Subsidence Excess £2,500 – applicable to Section 1 Buildings
We will not pay for the first £2,500 in respect of each and every claim caused by subsidence
or heave of the land that the Buildings stand on, or landslip.
Endorsement Library for TGSL, SSP, Acturis Page 9 of 19
H038 Increased Subsidence Excess £5,000 – applicable to Section 1 Buildings
We will not pay for the first £5,000 in respect of each and every claim caused by subsidence
or heave of the land that the Buildings stand on, or landslip.
H039: Evidence of Value – applicable to Section 2 Contents
It is a requirement of this Policy for loss or damage to Contents with a value that exceeds
£2,000 that You provide a receipt or professional valuation in support of Your claim.
H040: Evidence of Value £2,500 – applicable to Section 2 Contents and Section 3
Personal Possessions
It is a requirement of this Policy for loss or damage to Contents or Personal Possessions
with a value that exceeds £2,500 that You provide a receipt or professional valuation in
support of Your claim.
H041: Accidental Damage Exclusion – applicable to Section 1 Buildings, Section 2
Contents and Section 3 Personal Possessions
There is no liability under Sections 1, 2 and 3 of this Policy for loss or damage caused by
Accidental Damage.
H042 Cover Limitation – applicable to Section 1 Buildings and Section 2 Contents and
Section 3 Personal Possessions
There is no liability under Sections 1, 2 and 3 of this Policy for loss or damage caused by
storm, flood or weight of snow.
H043 Business Equipment Extension – applicable to Policy Definitions
Exclusion e. of Policy Definition Contents is amended to as follows:
e. any property held or used for business purposes other than Business Equipment up to
£10,000 in total;
H044 Storm and Flood Exclusion – applicable to Section 1 Buildings and Section 2
Contents
There is no liability under Sections 2 and 3 of this Policy for loss or damage caused by storm or
flood.
Endorsement Library for TGSL, SSP, Acturis Page 10 of 19
H046 Increased Theft Excess £1,000 – applicable to Section 1 Buildings, Section 2
Contents and Section 3 Personal Possessions
We will not pay for the first £1,000 in respect of each and every claim caused by theft and
malicious damage.
H047 Increased Theft Excess £2,000 applicable to Section 1 Buildings, Section 2
Contents and Section 3 Personal Possessions
We will not pay for the first £2,000 in respect of each and every claim caused by theft and
malicious damage
H048 Increased Escape of Water Excess £750 applicable to Section 1 Buildings,
Section 2 Contents and Section 3 Personal Possessions
We will not pay for the first £750 in respect of each and every claim caused by escape of
water
H049 Increased Policy Excess £250 Excess– applicable to Section 1 Buildings
We will not pay for the first £250 of each and every claim applicable to Section 1 Buildings
H050 Increased Policy Excess £250 Excess– applicable to Section 2 Contents and
Section 3 Personal Possessions
We will not pay for the first £250 of each and every claim applicable to Section 2 Contents and
Section 3 Personal Possessions
H051 Escape of Water Exclusion – applicable to Section 1 Buildings and Section 2
Contents
The definition of Unoccupied is deleted under Section 1 Buildings and Section 2 Contents
while the Buildings are Unoccupied and replaced with the following exclusion.
There is no liability under Section 1 Buildings and Section 2 Contents of this Policy for loss or
damage caused by escape of water from, or frost damage to, fixed water tanks, apparatus or
pipes.
H052: Unoccupied Exclusions - Deleted – applicable to Section 1 Buildings, Section 2
Contents
The definition of Unoccupied is deleted under Section 1 Buildings and Section 2 Contents
while the Buildings are Unoccupied.
H053 Accidental Damage Cover Extension – applicable to Section 1 Buildings
Endorsement Library for TGSL, SSP, Acturis Page 11 of 19
We will pay for Accidental Damage to:
(a) Fixed glass and double glazing (including the cost of replacing frames);
(b) Solar panels;
(c) Sanitary ware;
(d) Ceramic hobs;
forming part of the Buildings.
We will NOT pay for:
(a) loss or damage:
A. specifically excluded under this Section;
B. movement, settling, shrinking, collapsing or cracking of the Buildings;
C. while the Home is undergoing alteration, repair, cleaning, maintenance or extension;
D. caused by wear and tear, infestation, corrosion, damp, mould or frost or any other
thing that happens gradually;
E. arising from faulty design, specification, workmanship or materials;
F. from mechanical or electrical faults or breakdown;
G. caused by dryness, dampness, extremes of temperature or exposure to light;
H. to swimming pools, tennis courts, drives, patios and terraces, walls, gates and
fences and fuel tanks;
I. caused by, contributed to or arising from any kind of pollution and/or
contamination;
J. while the Buildings are Unfurnished;
K. while the Buildings are Unoccupied.
(b) general maintenance.
H054 Accidental Damage Cover Extension – applicable to Section 2 Contents
We will pay for Accidental Damage to:
(a) audio visual equipment;
(b) mirrors and fixed glass.
We will NOT pay for:
a. the Excess specified in the Schedule;
b. loss or damage specifically excluded under this Section;
c. Money, Credit Cards, documents or stamps;
d. damage to Contents within garages and outbuildings;
e. loss or damage:
A. caused by dyeing, cleaning, repair, renovation or whilst being worked upon;
B. caused by chewing, tearing, scratching or fouling by animals;
Endorsement Library for TGSL, SSP, Acturis Page 12 of 19
C. to contact, corneal or micro corneal lenses;
D. while the Home is lent, let or sublet;
E. caused by wear and tear, moth, vermin, infestation, corrosion, damp, wet or dry rot,
mould or frost or any other thing that happens gradually;
F. arising out of faulty design, specification, workmanship or materials;
G. from mechanical or electrical faults or breakdown;
H. arising from demolition, structural alteration or structural repair of the Buildings;
I. caused by dryness, dampness, extremes of temperature or exposure to light;
J. caused by, contributed to or arising from any kind of pollution and/or contamination.
H055: Amended Unoccupied Definition
The Definition of Unoccupied shall mean:
Not lived in by You (or by any other person to whom You have given Your permission) for 45
consecutive days.
H056: All Risks Wine Endorsement
It is hereby agreed that section two extends to cover all risks of physical loss or damage to
wine within the private dwelling house subject to the following conditions:-
Excluding Loss or Damage from the following:
Cork Fly, Deleterious Materials, Adulteration, Contamination, Decolourisation, Loss of Labels,
Faulty Racking, Persons Lawfully on the Premises
The following clause(s) will apply:
Climatic Conditions Clause
This insurance does not cover loss or damage caused by dryness, dampness, extremes of
temperature or exposure to the light.
Theft limitation clause
This insurance does not cover theft or attempted theft from the Home other than as a result of
violent or forcible entry.
Onus of Proof Clause
In the event of loss or damage to items specified in the Schedule, You must supply
underwriters with proof of value on all items. Underwriter’s Liability shall not exceed the
amounts individually specified in the Schedule.
H057: Alternative Accommodation Clause
This insurance does not cover the cost of alternative accommodation or loss of rent where the
Home is unfit to live in because of loss or damage caused by subsidence or heave of the site
upon which the Buildings stand or landslip
H058: Contents at University Extension Clause
Section 2 (Contents) of this insurance is extended to include Contents which belong to a
member of Your family who is away at University/College during term time (but who usually
resides at the Home) against loss or damage caused by events 1 – 10.
Endorsement Library for TGSL, SSP, Acturis Page 13 of 19
This extension does not cover:-
a) more than £7,500 per family member
b) more than £1,500 per single article unless specified on the Schedule
c) theft unless following forced and violent entry
d) the first £100 of each and every claim
H059: £500 Escape of Water Clause – applicable to Section1 Buildings and Section
2 Contents
Cover in respect of Escape of Water is subject to a standard Policy Excess of £500 for each
and every loss.
H060: £1,000 Escape of Water Clause – applicable to Section1 Buildings and
Section 2 Contents
Cover in respect of Escape of Water is subject to a standard Policy Excess of £1,000 for each
and every loss.
H061: £2,500 Escape of Water Clause – applicable to Section1 Buildings and
Section 2 Contents
Cover in respect of Escape of Water is subject to a standard Policy Excess of £2,500 for each
and every loss.
H062: Fine Wine Extension
Section 2 (Contents) of this insurance is extended to cover physical loss or damage to wine
within Your Home subject to the following conditions:-
We will not cover Loss or Damage from the following causes:
• Cork Fly
• Deleterious Materials
• Adulteration
• Contamination
• Decolourisation
• Loss of Labels
• Faulty Racking
• Persons Lawfully on the Premises
The following conditions and exclusions apply:
• This insurance does not cover loss or damage caused by dryness, dampness, extremes of
temperature or exposure to the light.
• This insurance does not cover theft or attempted theft from the Home other than as a result
of violent or forcible entry.
• In the event of loss or damage to items specified in the Schedule, You must supply
underwriters with proof of value on all items. Underwriter’s Liability shall not exceed the
amounts individually specified in the Schedule.
H063: Fire Theft and Malicious Damage £500 Excess
A standard Excess in respect of Fire, Theft and Malicious Damage of £500 applies to each and
every claim.
Endorsement Library for TGSL, SSP, Acturis Page 14 of 19
H064: Flood Barrier Endorsement
It is a condition of this Insurance that fixed barriers or other such devices to prevent water
ingress are fitted to all doors and air vents when advised by the Environment Agency early
warning system, to which You must subscribe.
Delegated responsibility for installing the barriers must also be in place.
Failure to comply with the above may result in claims not being paid.
H065: Flood Increased Excess £1,250
Cover in respect of Flood is subject to a standard Policy Excess of £1,250 for each and every
loss.
H066: Freestanding Satellite and Aerials Clause
Cover under Section 2 Contents in respect of freestanding aerials and Satellite dishes
excludes Accidental Damage cover.
H067: Increased Buildings £50 Policy Excess
An increased Policy Excess of £50 applies to each and every Buildings claim (except losses
arising from Subsidence, Landslip and / or Heave, where the Excess remains as per the
Schedule
H068: Increased Buildings £100 Policy Excess
An increased Policy Excess of £100 applies to each and every Buildings claim (except losses
arising from Subsidence, Landslip and / or Heave, where the Excess remains as per the
Schedule
H069: Increased Buildings £150 Policy Excess
An increased Policy Excess of £150 applies to each and every Buildings claim (except losses
arising from Subsidence, Landslip and / or Heave, where the Excess remains as per the
Schedule
H070: Increased Buildings £250 Policy Excess
An increased Policy Excess of £250 applies to each and every Buildings claim (except losses
arising from Subsidence, Landslip and / or Heave, where the Excess remains as per the
Schedule
H071: Increased Buildings £500 Policy Excess
An increased Policy Excess of £500 applies to each and every Buildings claim (except losses
arising from Subsidence, Landslip and / or Heave, where the Excess remains as per the
Endorsement Library for TGSL, SSP, Acturis Page 15 of 19
Schedule
H072: Increased Buildings £1000 Policy Excess
An increased Policy Excess of £1000 applies to each and every Buildings claim (except
losses arising from Subsidence, Landslip and / or Heave, where the Excess remains as per the
Schedule
H073: Increased Buildings £2500 Policy Excess
An increased Policy Excess of £2500 applies to each and every Buildings claim (except
losses arising from Subsidence, Landslip and / or Heave, where the Excess remains as per the
Schedule
H074: Increased Contents £100 Policy Excess
An increased Policy Excess of £100 applies to each and every Contents claim (except losses
arising from Subsidence, Landslip and / or Heave, where the Excess remains as per the
Schedule.
H075: Increased Contents £150 Policy Excess
An increased Policy Excess of £150 applies to each and every Contents claim (except losses
arising from Subsidence, Landslip and / or Heave, where the Excess remains as per the
Schedule.
H076: Increased Contents £250 Policy Excess
An increased Policy Excess of £250 applies to each and every Contents claim (except losses
arising from Subsidence, Landslip and / or Heave, where the Excess remains as per the
Schedule.
H077: Increased Contents £500 Policy Excess
An increased Policy Excess of £500 applies to each and every Contents claim (except losses
arising from Subsidence, Landslip and / or Heave, where the Excess remains as per the
Schedule.
H078: Increased Contents £1000 Policy Excess
An increased Policy Excess of £1000 applies to each and every Contents claim (except
losses arising from Subsidence, Landslip and / or Heave, where the Excess remains as per the
Schedule.
H079: Increased Contents £2500 Policy Excess
Endorsement Library for TGSL, SSP, Acturis Page 16 of 19
An increased Policy Excess of £2500 applies to each and every Contents claim (except
losses arising from Subsidence, Landslip and / or Heave, where the Excess remains as per the
Schedule.
H080: Musical Instrument Clause
This insurance provides cover against loss or damage to the musical instruments specified in
the Schedule, but does not cover:
• loss or damage caused by moth, vermin, wear, tear and gradual deterioration, scratching or
denting,
• any loss caused by mechanical and/or electrical derangement unless such derangement
arises solely from external causes,
• breakage of strings, reeds or drum heads
• any loss or damage caused by cleaning or repairing or atmospheric conditions.
• theft from any Building/s is excluded unless force, resulting in damage to the Building/s
or premises, was used to gain entry
• theft away from the Home whilst travelling on/in any form of public transport or in a public
place is excluded if the instrument is left unattended
H081: Standard £250 Policy Excess
A standard Policy Excess of £250 applies to each and every claim (except losses arising from
Subsidence, Landslip and / or Heave, where the Excess remains as per the Schedule.
H082: Standard £500 Policy Excess
A standard Policy Excess of £500 applies to each and every claim (except losses arising from
Subsidence, Landslip and / or Heave, where the Excess remains as per the Schedule.
H083: Storm Excess Clause
You must pay the first £250 of every claim for loss or damage caused as a result of storm.
H084: Student Let – Supplementary Endorsement
It is noted that the Home is let to students and that the following additional terms, conditions
and exclusions apply to this insurance.
a) No cooking is to be allowed in bedrooms, other than tea and coffee making facilities
b) No portable heaters are to be used in bedrooms, other than electric powered fan or
convector heaters
Failure to comply with any of the above conditions may result in this insurance becoming void
or invalidate a claim.
H085: Theft Exclusion Clause
This insurance does not cover theft or attempted theft.
H086: Underground Service pipes Increased Excess £500
Claims for loss or damage caused by Accidental Damage to underground water-supply pipes,
underground sewers and drains will be subject to an Excess of £500
Endorsement Library for TGSL, SSP, Acturis Page 17 of 19
H087: Underground Service pipes Increased Excess £1000
Claims for loss or damage caused by Accidental Damage to underground water-supply pipes,
underground sewers and drains will be subject to an Excess of £1,000
H088: Underground Service pipes Increased Excess £2500
Claims for loss or damage caused by Accidental Damage to underground water-supply pipes,
underground sewers and drains will be subject to an Excess of £2,500
H089: Underground Service pipes Increased Excess £5000
Claims for loss or damage caused by Accidental Damage to underground water-supply pipes,
underground sewers and drains will be subject to an Excess of £5,000
H090: Water Ingress Exclusion Clause
This insurance excludes ingress of water through flat and/or asphalt roofs unless following an
Insured event
H091: £250 escape of Water Clause
Cover in respect of Escape of Water is subject to a standard Policy Excess of £250 for each
and every loss.
H092: £500 escape of Water Clause
Cover in respect of Escape of Water is subject to a standard Policy Excess of £500 for each
and every loss.
H093: £1000 escape of Water Clause
Cover in respect of Escape of Water is subject to a standard Policy Excess of £1000 for each
and every loss.
H094: £2500 escape of Water Clause
Cover in respect of Escape of Water is subject to a standard Policy Excess of £2500 for each
and every loss.
H095: Restricted Cover – Fire, Lightning, Explosion and Earthquake – applicable to
Section 1 Buildings
There is no liability under Section 1 Buildings whilst the Home is Unoccupied other than loss
or damage caused by:-
(a) fire
(b) explosion
(c) lightning
(d) earthquake
H096: Restricted Cover – Fire, Lightning, Explosion and Earthquake – applicable to
Endorsement Library for TGSL, SSP, Acturis Page 18 of 19
Section 2 Contents
There is no liability under Section 2 Contents whilst the Home is Unoccupied other than loss
or damage caused by:-
(a) fire
(b) explosion
(c) lightning
(d) earthquake
Endorsement Library for TGSL, SSP, Acturis Page 19 of 19
H097: Unoccupied Conditions
It is a requirement of this Policy when the Home is Unoccupied that :-
the inside of the Home is checked by You or an authorised representative at
least once every 7 days.
all gas and electricity is switched off at the mains when not used for the central
heating system or the security of the Home
all protections provided for the security of the Home and Contents are in full
and effective operation with the keys removed and are not withdrawn or varied without
Our consent
All waste including accumulated mail must be removed
Failure to comply with these conditions may result in this insurance becoming invalid.
Top Related